WASHINGTON COUNTY TEACHERS
Charter #6353 · HAGERSTOWN, MD · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.47% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 1.58% sits at the 95th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.09% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 55.64% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 12th percentile but its structural peers at the 33rd — a 21-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | WASHINGTON COUNTY TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $95.98M | 95th pct | 82th pct |
| Members | 4,475 | 39th pct | 49th pct |
| Net worth ratio | 15.11% | 70th pct | 67th pct |
| Return on average assets | 1.18% | 74th pct | 72th pct |
| Net interest margin | 2.47% | 4th pct | 2th pct |
| Cost of funds | 1.58% | 83th pct | 95th pct |
| Loan-to-share | 37.70% | 12th pct | 33th pct |
| Delinquency 60+ days | 0.09% | 11th pct | 18th pct |
| Net charge-off ratio | 0.06% | 26th pct | 36th pct |
| Loan growth YoY | -1.94% | 46th pct | 61th pct |
| Share growth YoY | 3.10% | 52th pct | 56th pct |
| Efficiency ratio | 55.64% | 7th pct | 11th pct |
structural peer set hash: 631fd76d03a4de4684a31fcd8b216ebb… (reproducible)
Closest structural peers
This is the free public view
Claim WASHINGTON COUNTY TEACHERS
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.